July 1, 2016.pub - KEMBA Peoria Credit Union

KEMBA NOTES
Serving Members… Helping Friends
Volume 31, No. 4
October 2016
All you have to do to be entered is refer your family and friends to join the Credit Union. Not only will
you s.ll be rewarded with our Membership Rewards but for
account, your name will be entered to win a
EACH
referral that opens a new
$100 Kroger Gift Card.
Your referrals
have a chance to win the same prize as well. Their names will be entered in a drawing if they open a
savings account and a separate drawing if they open a checking account with us.
Two winners
will be drawn from each category and drawings will be held November - January on the 1st business day
of each month from the previous month’s entries. New accounts must remain open for six months.
Interna.onal Credit Union Day has been celebrated on the
third Thursday of October since 1948 and is designed to
create awareness and celebrate the ways credit unions
improve the lives of their members around the world. This
year’s theme, “The Authen.c Difference,” celebrates what
truly makes credit unions unique.
Each member who stops by the Credit Union and makes a
savings or checking deposit on Thursday, October 20th will
receive a FREE magne.c chip clip.
2016 Christmas Clubs will be deposited into your
savings account on
Friday, October 21st.
If you would like to receive a check or have funds
deposited into your checking account, please
contact the Credit Union. All Club Accounts will be
automa.cally renewed for the next year.
Receive a FREE gi when you increase your Club
account by at least $2 per week or $10 per month
or if you start a new 2017 Christmas Club Account.
SUNDAY,
NOVEMBER 6th
We have
Express Cash Loans* to give you a liCle extra cash for the upcoming holiday season.
No credit check, 18% interest rate, and Instant Approval. Loans are reported to each credit bureau.
*Direct deposit is required, member for 30 days, minimum of 6 months on current job for the $250 Express Loan and
a minimum of 2 years for the $500 and $1,000 Express Loan. Applica.on fee does apply. Members must have had
previously paid two $250 in full before receiving a $500 Express loan and have paid two $500 before a $1,000 loan.
CONVENIENCE CORNER
If you are looking for gis for those hard to
shop for individuals, we have some ideas they
will sure love. VISA Gi Cards can be purchased
for $3 for any amount up to $1,000 and can be
used anywhere VISA is accepted. We also have
the 2016-2017 Dining Tour Booklets with buy
one get one coupons to numerous local area
restaurants.
*Rates subject to credit approval and include .50%
deduc.on for Membership Rewards and .10% for
applying online.
INTEREST RATE SCHEDULE
AS OF OCTOBER 1, 2016
SHARE RATES
Rate
Shares
0.10%
Shares $2,500 and more 0.15%
IRA (Open End)
0.15%
APY
0.10%
0.15%
0.15%
CERTIFICATES OF DEPOSITS ($500 MIN)
AND IRA CERTIFICATES OF DEPOSITS
6 Months
0.20%
0.20%
12 Months
0.30%
0.30%
18 Months
0.40%
0.45%
24 Months
0.50%
0.65%
36 Months ($2,500 Min) 0.75%
0.95%
Greg Howerton, Chairman
Dave Lindberg, Vice Chairman
Jackie Chase, Secretary & Treasurer
Terry Boyer
Art Dutton
Doug Armbrust
Marilyn Cordio
Ron Remmel
Joy Skold, Manager
Kari Mohrman, Loan Manager
Gina Sorrell, Member Service
Aaliyah Anderson, Member Service
LOAN RATES
Rates posted include a .50% reduc.on
for Membership Rewards Bonus and a
.10% reduc.on for applying online
HAVE YOU HEARD?
NEW VEHICLES
3 Years
4 Years
5 Years
5 1/2 Years*
6 Years*
1.89%
1.89%
1.89%
2.39%
2.39%
October is the last month to enjoy Six Flags Great America
and Six Flags St.Louis’ Fright Fest. Tickets for both parks
can be purchased at the Credit Union for $44. Beginning
November 25th, Six Flags St. Louis will be open for limited
hours for their first Holiday in the Park. Check out their
website for more details at www.sixflags.com/stlouis.
*Retail value must be $25,000 or more
2015
2014
2013
2012
2011
2010
2009
2008
USED VEHICLES
60 Months
60 Months
60 Months
54 Months
48 Months
42 Months
36 Months
30 Months
1.89%
1.89%
1.89%
1.99%
1.99%
1.99%
1.99%
1.99%
RV’s, BOATS, MOTORCYCLES, CAMPERS, ETC
are subject to new and used car rates as stated above
Monday through Friday
8:00 a.m. to 5:00 p.m.
Phone (309)693-6000
TOLL FREE (800)927-6003
Fax Line (309) 693-7312
24 Hour VISA Information
(800)808-7230
E-mail: [email protected]
PERSONAL LOANS
Share Secured
2.15%
*Cer.ficate Pledge
Home Equity Line of Credit** 80% LTV
Up to 90% LTV
Unsecured/Signature***
VISA Credit Cards***
Express Cash**** payroll deduc.on
3.50%
4.00%
9.99%
8.99%
18.00%
*Rate is 2% over pledged CD rate **Price rate is adjusted quarterly
***Rates are subject to increase based on individual credit scores
****$250—No Credit Check—$25 applica.on fee
****$500—No Credit Check—$50 applica.on fee—restric.ons
****$1,000—No Credit Check— $100 applica.on fee— restric.ons
APY refers to Annual Percentage Yield
Monday, October 10th - Columbus Day
Friday, November 11th - Veteran’s Day
Thursday, November 24th - Thanksgiving
Monday, December 26th for Christmas
Monday, January 2nd for New Year’s Day
ANNUAL PRIVACY POLICY STATEMENT
The following privacy principles were established to maintain the security, integrity and confidentiality of your
personal financial information. To ensure that you can rely upon the quality of products and services we make
available, our credit union stands behind the following privacy policy:
⇒ Our credit union will collect only the personal information that is necessary to conduct our business.
⇒ KEMBA will protect your personal information. Our credit union will maintain strong security controls to
ensure that member information in our files and computers is protected.
⇒ You will always have access to your information.
⇒ Our credit union will only share information when absolutely necessary. Information will only be shared to
administer the products and services we provide, when required to do so by the government, or when we
partner with other businesses to offer a broader array of products and services.
⇒ We will partner only with businesses that follow strict confidentiality requirements. The businesses we select
will offer products designed to enhance our members’ economic well-being. Under no circumstances will we
authorize these firms to charge your account without your express consent and we will not sell member
information to telemarketing firms.
⇒ KEMBA will not disclose account information to a nonaffiliated business without the prior knowledge and
consent of our members.
⇒ At least once per year we will remind all members of our commitment to your privacy.